PRIVACY POLICY
Effective Date: June 2025
FINANCIAL CREDIT 4 U INC. (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy
Policy explains how we collect, use, disclose, and safeguard your personal information when you apply
for financing or use our services.
1. Information We Collect
- Personal Information: Full name, address, email, phone number, date of birth, Social Security Number
(if applicable).
- Identification Documents: A copy of a government-issued ID (e.g., driver’s license, passport).
- Financial Information: Requested loan amount, purpose of financing, income details.
- Technical Information: Device, IP address, and browser information.
2. How We Use Your Information
- Reviewing and processing your financing application.
- Conducting identity verification and fraud prevention.
- Communicating with you about your application or account.
- Complying with legal and regulatory obligations.
- Internal business purposes such as auditing and data analysis.
3. Sharing of Information
We do not sell your personal information. We may share it only with:
- Service Providers: Third parties who assist us with processing applications, identity verification, or
data storage.
- Legal Authorities: When required by law, regulation, or legal process.
- Business Transfers: In case of a merger, acquisition, or sale of assets.
4. Data Security
We use reasonable technical, administrative, and physical safeguards to protect your personal
information. However, no method of transmission or storage is 100% secure.
5. Data Retention
We retain personal data for as long as necessary to fulfill the purposes described above and comply
with applicable legal requirements.
6. Your Rights
Depending on your jurisdiction, you may have rights to:
- Access or request a copy of your data.
- Request correction or deletion of your data.
- Withdraw consent for processing (if applicable).
Requests can be sent to: [email protected]
7. Children’s Privacy
Our services are not directed to individuals under 18 years old. We do not knowingly collect data from
children.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted with a revised “Effective
Date.”
TERMS OF SERVICE
Effective Date: June 2025
These Terms of Service (“Terms”) govern your use of the application and services provided by
FINANCIAL CREDIT 4 U INC. (“we,” “our,” or “us”). By submitting an application or using our services,
you agree to these Terms.
1. Eligibility
- You must be at least 18 years old to submit an application.
- You must provide accurate, complete, and current information.
2. Application Process
- Submitting an application does not guarantee approval.
- We reserve the right to request additional documentation.
- Financing approval is subject to our internal review and underwriting criteria.
3. User Responsibilities
- You agree not to submit false, misleading, or fraudulent information.
- You agree to provide us with a valid government-issued ID and supporting documents when
requested.
- You are responsible for maintaining the confidentiality of your application login (if applicable).
4. Privacy
Your use of our services is also governed by our Privacy Policy, which describes how we collect and
use your information.
5. Prohibited Use
You agree not to:
- Interfere with or disrupt the application system.
- Use the service for unlawful, fraudulent, or abusive purposes.
6. Limitation of Liability
- We are not responsible for any damages arising from delays, application rejections, or service
interruptions.
- To the maximum extent permitted by law, our liability shall be limited to the amount paid (if any) for
using our services.
7. No Guarantee of Financing
Submitting an application does not obligate us to provide financing. Approval is based solely on our
assessment.
8. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict of law
principles.
9. Changes to Terms
We may update these Terms at any time. Continued use of our services after changes indicates your
acceptance.
10. Contact Information
For questions regarding these Terms, contact us at: [email protected]